UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                                    ------

                                   FORM 10-K

(Mark One)

      [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934

      For the fiscal year ended:   December 31, 2002
                                   -----------------

                                             OR

      [ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934

      For the transition period from               to
                                     -------------    -------------

                      Commission file number: 333-97873-04
                                              ------------

                                  CWABS, Inc.
                  CWABS Master Trust, Series 2002-F Subtrust,
       Revolving Home Equity Loan Asset Backed Securities, Series 2002-F
            (Exact name of Registrant as specified in its charter)


         Delaware                                      95-4449516
------------------------                     ------------------------------
(State or other jurisdiction of           (IRS Employer Identification Number)
incorporation or organization)

c/o   Bank One, National Association
      1 Bank One Plaza
      Suite IL1-0126
      Chicago, Illinois                                   60670
----------------------------------------   -----------------------------------
(Address of principal executive offices)               (Zip Code)

Registrant's telephone number, including area code:   (312) 407-1902
                                                      --------------

Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
                                                             ----

<PAGE>

Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.  Yes   X    No
                                                    -----     -----

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K ( ss.229.405 of this chapter) is not contained herein, and
will not be contained, to the best of Registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [ ]

Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Act.)  Yes        No   X
                                        -----     -----

State the aggregate market value of the voting and non-voting common equity
held by non-affiliates of the Registrant: Not applicable
                                          --------------

Indicate the number of shares outstanding of each of the registrant's classes
of common stock, as of December 31, 2002: Not applicable
                                          --------------



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<PAGE>

DOCUMENTS INCORPORATED BY REFERENCE

                                     None.

                                  *    *    *


      This Annual Report on Form 10-K (the "Report") is filed with respect to
a trust entitled CWABS Master Trust (the "Master Trust"), a business trust
formed under the laws of the State of Delaware pursuant to the master trust
agreement (the "Master Trust Agreement"), dated as of August 28, 2000, between
CWABS, Inc., as depositor, and Wilmington Trust Company, as owner trustee (the
"Owner Trustee"), and the subtrust created under the Master Trust entitled the
Series 2002-F Subtrust (together with the Master Trust, the "Trust"), formed
pursuant to a Series 2002-F Trust Supplement, dated as of September 30, 2002
(the "Series Trust Supplement"), among CWABS, Inc. (the "Company") and the
Owner Trustee, for the issuance of CWABS, Inc., Revolving Home Equity Loan
Asset Backed Securities, Series 2002-F (the "Securities"), issued pursuant to
an Indenture, dated September 30, 2002 (the "Indenture"), between the Master
Trust and Bank One, National Association, as indenture trustee (the
"Trustee"). The assets of the Trust will be comprised of assets received
pursuant to a sale and servicing agreement, dated September 30, 2002 (the
"Sale and Servicing Agreement") among the Company, as depositor, Countrywide
Home Loans, Inc., as sponsor and master servicer (the "Master Servicer"), the
Master Trust and the Trustee, as indenture trustee. Certain information
otherwise required to be included in this Report by the Instructions to Form
10-K has been omitted in reliance on the relief granted by the Commission to
other companies in similar circumstances, including, but not limited to, the
relief granted to the CWMBS, Inc. (February 3, 1994) (collectively, the
"Relief Letters").



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<PAGE>

      PART I

ITEM 1.     BUSINESS

            Not applicable.  See the Relief Letters.

ITEM 2.     PROPERTIES

            Not applicable.  See the Relief Letters.

ITEM 3.     LEGAL PROCEEDINGS

            There were no material pending legal proceedings relating to the
            Trust to which any of the Trust, the Trustee, the Master Servicer
            or the Company was a party or of which any of their respective
            properties was the subject during the fiscal year covered by this
            Report, nor is the Company aware of any such proceedings
            contemplated by governmental authorities.

ITEM 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

            No matter was submitted to a vote of Securityholders, and no
            Securityholder consent was solicited during the fiscal year
            covered by this Report.



                                      4
<PAGE>

                                    PART II


ITEM 5.     MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER
            MATTERS

            (a)   Market Information. There is no established public trading
                  market for the Securities.

            (b)   Holders.  As of December 31, 2002 there were less than 300
                  holders of record of the Securities.

            (c)   Dividends. Not applicable. See the Relief Letters.
                  (Information as to distributions to Securityholders is
                  provided in the Registrant's monthly filings on Form 8-K.)

            (d)   Securities Authorized for Issuance Under Equity Compensation
                  Plans. Not applicable.

            (e)   Item 701 of Regulation S-K. Not applicable. See the Relief
                  Letters.

            (f)   Rule 463 of the Securities Act of 1933. Not applicable. See
                  the Relief Letters.

ITEM 6.     SELECTED FINANCIAL DATA

            Not applicable.  See the Relief Letters.

ITEM 7.     MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
            RESULTS OF OPERATIONS

            Not applicable.  See the Relief Letters.

ITEM 7A     QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

            Not applicable.

ITEM 8.     FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

            Not applicable.  See the Relief Letters.

ITEM 9.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
            FINANCIAL DISCLOSURE

            None.



                                      5
<PAGE>

                                   PART III


ITEM 10.    DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

            Not applicable.  See the Relief Letters.

ITEM 11.    EXECUTIVE COMPENSATION

            Not applicable.  See the Relief Letters.

ITEM 12.    SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

            Information required by Item 201(d) of Regulation S-K:
            Not applicable.

            Information required by Item 403 of Regulation S-K.

            (a) Not applicable. See the Relief Letters.

            (b) Not applicable. See the Relief Letters.

            (c) Not applicable. See the Relief Letters.

ITEM 13.    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

            Not applicable.  See the Relief Letters.

ITEM 14.    CONTROLS AND PROCEDURES

            Not applicable. The Registrant is an Asset Backed Issuer (as
            defined in Exchange Act Rules 13a-14(g) and 15d-14(g)) and is
            therefore not required to disclose information under Item 307 of
            Regulation S-K. See paragraph (c) of Item 307 of Regulation S-K.



                                      6
<PAGE>

                                    PART IV


ITEM 15.    EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

            (a) (1) Pursuant to the Sale and Servicing Agreement, the
                    Master Servicer is required (i) to deliver an annual
                    statement as to compliance with the provisions of the Sale
                    and Servicing Agreement and certain other matters (the
                    "Annual Statement of the Master Servicer") and (ii) to
                    cause a firm of independent public accountants to deliver
                    an annual report as to compliance with the servicing
                    provisions of the Sale and Servicing Agreement (the
                    "Annual Report of the Firm of Accountants"). The Annual
                    Statement of the Master Servicer is attached as Exhibit
                    99.1 to this Report. The Annual Report of the Firm of
                    Accountants is attached as Exhibit 99.2 to this Report.
                    See Relief Letters.

                (2) Not applicable.

                (3) The required exhibits are as follows:

                                      Exhibit 3(i): Copy of Company's
                    Certificate of Incorporation (Filed as an Exhibit to
                    Registration Statement on Form S-3 (File No.
                    33-11095)).

                                      Exhibit 3(ii): Copy of Company's
                    By-laws (Filed as an Exhibit to Registration Statement
                    on Form S-3 (File No. 33-11095)).

                                      Exhibit 4(i): Sale and Servicing
                    Agreement (Filed as part of the Registrant's Current
                    Report on Form 8-K filed on October 18, 2002).

                                      Exhibit 4(ii): Indenture (Filed as
                    part of the Registrant's Current Report on Form 8-K
                    filed on October 18, 2002).

                                      Exhibit 99.1:  Annual Statement of the
                    Master Servicer.

                                      Exhibit 99.2:  Annual Report of the Firm
                    of Accountants.

                                      Exhibit 99.3:  Audited financial
                    statements of Financial Guaranty Insurance Company (The
                    Registrant hereby undertakes to file the financial
                    statements of Financial Guaranty Insurance Company as an
                    Exhibit to a form 10-K/A amending this Form 10-K promptly
                    following the date on which such financial statements
                    become available).



                                      7
<PAGE>

                  (b)  Current Reports on Form 8-K filed during the last
                  quarter ending December 31, 2002:


                  Date of Current Report            Item Reported
                  ----------------------            -------------

                  September 30, 2002       Filing of Form T-1 to designate
                                           Bank One, National Association to
                                           act as eligible trustee

                  September 30, 2002       Legality Opinion, Tax Opinion
                                           and Conset

                  September 30, 2002       Description of the Mortgage Pool

                  November 19, 2002        Description of the Mortgage Pool

                  November 15, 2002        Monthly report sent to
                                           securityholders with the November
                                           2002 distribution

                  December 13, 2002        Audited financial statement of
                                           Financial Guaranty Insurance Company

                  December 30, 2002        Monthly report sent to
                                           securityholders with the December
                                           2002 distribution


                 (c) See subparagraph (a)(3) above.

                 (d) Not applicable. See the Relief Letters.



                                      8
<PAGE>

                                  SIGNATURES

      Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this Report to be signed
on its behalf by the undersigned, thereunto duly authorized.

                              CWABS, INC.,
                              CWABS MASTER TRUST, SERIES 2002-F SUBTRUST,
                              REVOLVING HOME EQUITY LOAN ASSET BACKED
                              SECURITIES, SERIES 2002-F

                              By:   Bank One, National Association,
                                    as Trustee*


                              By:   /s/ Barbara Grosse
                                    ---------------------
                                    Name:  Barbara G. Grosse
                                    Title:  Vice President

                              Date: March 27, 2003



_______________

*     This Report is being filed by the Trustee on behalf of the Trust. The
      Trust does not have any officers or directors.



                                      9
<PAGE>

                                 CERTIFICATION


         I, Barbara G. Grosse, certify that:

         1. I have reviewed this annual report on Form 10-K, and all reports
         on Form 8-K containing distribution and servicing reports filed in
         respect of periods included in the year covered by this annual
         report, of CWABS Master Trust (for the Series 2002-F Subtrust);

         2. Based on my knowledge, the information in these reports, taken as
         a whole, does not contain any untrue statement of a material fact or
         omit to state a material fact necessary to make the statements made,
         in light of the circumstances under which such statements were made,
         not misleading as of the last day of the period covered by this
         annual report;

         3. Based on my knowledge, the distribution or servicing information
         required to be provided to the trustee by the master servicer under
         the pooling and servicing, or similar, agreement, for inclusion in
         these reports is included in these reports;

         4. Based on my knowledge and upon the annual compliance statement
         included in the report and required to be delivered to the trustee in
         accordance with the terms of the pooling and servicing, or similar,
         agreement, and except as disclosed in the reports, the servicer has
         fulfilled its obligations under the servicing agreement; and

         5. The reports disclose all significant deficiencies relating to the
         master servicer's compliance with the minimum servicing standards
         based upon the report provided by an independent public accountant,
         after conducting a review in compliance with the Uniform Single
         Attestation Program for Mortgage Bankers or similar procedure, as set
         forth in the pooling and servicing, or similar, agreement, that is
         included in these reports.

         In giving the certifications above, I have reasonably relied on
         information provided to me by the following unaffiliated parties:
         Countrywide Home Loans, Inc.


         Date: March 27, 2003


                                                 /s/ Barbara G. Grosse
                                                 ---------------------
                                                 Barbara G. Grosse
                                                 Vice President



                                      10
<PAGE>

          SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED
      PURSUANT TO SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT
           REGISTERED SECURITIES PURSUANT TO SECTION 12 OF THE ACT.



      No such annual report, proxy statement, form of proxy or other
soliciting material has been sent to Securityholders. See the Relief Letters.



                                      11
<PAGE>

                                 EXHIBIT INDEX


                                                                    Sequential
Exhibit Document                                                   Page Number
----------------                                                   -----------



3(i)    Company's Certificate of Incorporation (Filed as an Exhibit to
        Registration Statement on Form S-3 (File No. 33-11095)) *

3(ii)   Company's By-laws (Filed as an Exhibit to Registration Statement
        on Form S-3 (File No. 33-11095)) *

4(i)    Sale and Servicing Agreement (Filed as part of the Company's
        Current Report on Form 8-K filed on October 18, 2002) *

4(ii)   Indenture (Filed as part of the Registrant's Current Report on
        Form 8-K filed on October 18, 2002).

99.1    Annual Statement of the Master Servicer............................13

99.2    Annual Report of the Firm of Accountants...........................15









______________

*   Incorporated herein by reference.



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